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Belmont County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Belmont County, Ohio based on real HMDA transaction records.

Loan Details

Belmont County, OH Benchmarks

FHA averages
Typical Property Value$199,206
Average Down Payment13.1%
Average Interest Rate6.436%
Effective Tax Rate1.01%
Median Tax Paid$1,469/yr
Tax Growth (Historical)+0.4%
Based on 214 regional loans totaling $36,030,000 (HMDA database).
$
%

$26,096 down · $173,110 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$168 / month

$

Annual premium

$

Per month

%

$73 / month

Estimated Monthly Payment

$1,497/mo

  • Principal & Interest$1,106
  • Property Tax$168
  • Home Insurance$150
  • FHA MIP$73
Amortization · Remaining Balance

Financed Loan Amount

$176,139

Total Interest

$222,157

Total of Payments

$398,297

*Includes financed FHA Upfront MIP of $3,029

Local Market Insights

Belmont County FHA Mortgage Overview

For Belmont County homebuyers, the 13.12% average down payment on FHA loans provides accessible entry, though mandatory Mortgage Insurance Premiums (MIP) persist for the loan's life regardless of equity. The 86.88% median loan-to-value (LTV) ratio confirms this is a standard owner-occupied market. With an average property value of $199,205.61 and a 1.01% effective tax rate, a recent 0.4% inflation-adjusted tax increase slightly impacts monthly affordability. When evaluating an FHA loan down payment in Belmont County, Ohio, remember that MIP and property taxes are fixed costs. This data helps assess FHA loan limits and the true cost of an FHA mortgage with PMI and taxes in Belmont County, OH.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.